Pepper Money - Public Comps and Valuation Multiples

Pepper Money Overview

About Pepper Money

Pepper Money Ltd provides a variety of home loan solutions. The company also provides car loans, personal loans, loans for equipment, asset finance, commercial loans, and others. The company operates in three reportable segments Mortgage, Asset Finance, and Loan and Other Servicing. The maximum revenue is derived from the Asset finance segment. The Asset finance segment includes financing a range of asset types for consumer and commercial customers.

Founded

2000

HQ

Employees

n/a

Website

peppermoney.com.au

Sectors

Online Lending
Lending Solutions
FinTech

Financials

LTM Revenue $262M

LTM EBITDA $125M

EV

$11.2B

Valuation Multiples

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Pepper Money Financials

As of September 2025, Pepper Money reported last 12-month revenue of $262M and EBITDA of $125M.

In the same period, Pepper Money achieved $64.3M in LTM net income.

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Pepper Money P&L

In the most recent fiscal year, Pepper Money reported revenue of $264M.

Pepper Money expects next 12-month revenue of XXX and NTM EBITDA of XXX

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	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue	$262M	XXX	$264M	XXX	XXX	XXX
Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
Gross Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA	$125M	XXX	n/a	XXX	XXX	XXX
EBITDA Margin	47%	XXX	n/a	XXX	XXX	XXX
EBIT	$118M	XXX	n/a	XXX	XXX	XXX
EBIT Margin	45%	XXX	n/a	XXX	XXX	XXX
Net Profit	$64.3M	XXX	$64.8M	XXX	XXX	XXX
Net Margin	25%	XXX	25%	XXX	XXX	XXX
Net Debt	XXX	XXX	$10.0B	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for Pepper Money including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $262M. EBITDA for the last twelve months was $125M.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2025)	Next Fiscal Year (2026)	Two Years Forward (2027)
Total Revenue	$262M	Analyst estimates available to subscribers	$264M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	n/a	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	n/a	Analyst estimates available to subscribers	NaN% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	$125M	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	47.5% EBITDA margin	Analyst estimates available to subscribers	NaN% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	$118M	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	45.1% EBIT margin	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	$64.3M	Analyst estimates available to subscribers	$64.8M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	24.5% net profit margin	Analyst estimates available to subscribers	24.5% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	$10.0B	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for Pepper Money

This financial data table provides comprehensive performance metrics for Pepper Money, a company based in Australia. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

Pepper Money generated $262M in revenue over the last twelve months.
The company achieved $125M in EBITDA over the last twelve months.
Net income over the last twelve months reached $64.3M.

Fiscal Year Performance

In the most recent fiscal year, Pepper Money reported $264M in total revenue.
The company maintained a gross profit margin of NaN% in the most recent fiscal year.
EBITDA margin for the fiscal year was NaN%.
Net profit margin reached 24.5% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for Pepper Money. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

Pepper Money Stock Performance

Pepper Money has current market cap of AUD 916M (or $601M), and EV of AUD 17.1B (or $11.2B).

Market Cap Evolution

Pepper Money Stock Data

As of October 14, 2025, Pepper Money's stock price is AUD 2 (or $1).

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EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$11.2B	$601M	XXX	XXX	XXX	XXX	$0.14

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Pepper Money Valuation Multiples

Pepper Money's trades at 42.4x EV/Revenue multiple, and n/a EV/EBITDA.

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Pepper Money Financial Valuation Multiples

As of October 14, 2025, Pepper Money has market cap of $601M and EV of $11.2B.

Equity research analysts estimate Pepper Money's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

Pepper Money has a P/E ratio of 9.3x.

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Market cap (current)	$601M	XXX	$601M	XXX	XXX	XXX
EV (current)	$11.2B	XXX	$11.2B	XXX	XXX	XXX
EV/Revenue	42.8x	XXX	42.4x	XXX	XXX	XXX
EV/EBITDA	90.1x	XXX	n/a	XXX	XXX	XXX
EV/EBIT	95.0x	XXX	n/a	XXX	XXX	XXX
EV/Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
P/E	9.3x	XXX	9.3x	XXX	XXX	XXX
EV/FCF	n/a	XXX	6.6x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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Pepper Money Margins & Growth Rates

Pepper Money's last 12 month revenue growth is 5%

Pepper Money's revenue per employee in the last FY averaged n/a, while opex per employee averaged n/a for the same period.

Pepper Money's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

Pepper Money's rule of X is 61% (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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Pepper Money Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue Growth	5%	XXX	3%	XXX	XXX	XXX
EBITDA Margin	47%	XXX	n/a	XXX	XXX	XXX
EBITDA Growth	n/a	XXX	n/a	XXX	XXX	XXX
Rule of 40	n/a	XXX	n/a	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	61%	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	n/a	XXX	XXX	XXX
Opex per Employee	XXX	XXX	n/a	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	4%	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	n/a	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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